Citizens National Bank

200 Forks Of The River Parkway
Sevierville, TN 37862

Notable Rates APY Vs.Others
Savings 0.12% 2.20% →
1-Year CD 1.00% 2.25% →
2-Year CD 1.50% 2.30% →
5-Year CD 1.60% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Citizens National Bank is an FDIC insured institution located in Sevierville, TN. It was founded in 1973 and has approximately $1.1 billion in assets. Customers can open an account at one of its 20 branches.

FDIC Insured Yes
FDIC Certificate # 20954
Date Established 1973
Assets $1.10 billion
Loans $0.82 billion
Deposits $0.96 billion
Capital $0.13 billion

For a more detailed analysis of Citizens National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 17, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.15% $2,500 - Learn MoreShow Less
Premium Money Market Account
0.25% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.40% $2,500 - Learn MoreShow Less
6 Mo CD
0.60% $2,500 - Learn MoreShow Less
12 Mo CD
1.00% $2,500 - Learn MoreShow Less
18 Mo CD
1.25% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $1,000 - Learn MoreShow Less
36 Mo CD
1.50% $1,000 - Learn MoreShow Less
48 Mo CD
1.55% $1,000 - Learn MoreShow Less
60 Mo CD
1.60% $1,000 - Learn MoreShow Less

Fixed IRA
1.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.25% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $4,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Rewards Checking 1.75% $0 $0.00 Learn MoreShow Less
Citizens Simply Checking 0.00% $0 $0.00 Learn MoreShow Less

Loan Rates - January 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.517% 3.500% 0.25 $515 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info

Note to Citizens National Bank
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Citizens National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Citizens National Bank Locations

Financial Details

Citizens National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens National Bank U.S. Bank Average
2.58% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Citizens National Bank had $1,327,000 in non-current loans and $2,236,000 in owned real estate. To cover these potential losses it had $126,531,000 in equity and $11,523,000 in loans loss reserves. That gives it a Texas Ratio of 2.58%.

Return on Equity
Citizens National Bank U.S. Bank Average
16.66% 9.72%

Citizens National Bank has a Return on Equity of 16.66% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Citizens National Bank U.S. Bank Average
11.49% 12.89%

Citizens National Bank has a Capitalization of 11.49% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens National Bank Balance Sheet Analysis

As of September 30, 2019, Citizens National Bank had assets of $1,101,200,000, loans of $817,820,000, and deposits of $956,725,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.09 billion
Interest-bearing balances $0.06 billion
Total securities $0.13 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.82 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.04 billion
     Total Assets $0.97 billion
Total deposits $0.96 billion
      Interest-bearing deposits $0.78 billion
      Deposits held in domestic offices $0.96 billion
      % insured (estimated) 56.50%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.97 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.04 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.02 billion

Bank Loan Profile?

The top three loan types in Citizens National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Tennessee, Citizens National Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.11
Credit Card Loans 0.17
Consumer Auto Loans 0.05
Small Business Loans 4.62
Construction and Development Loans 13.29
Commercial Real Estate 52.67
Commercial and Industrial Loans 7.95
Farm Loans 0.03

Frequently Asked Questions About Citizens National Bank

Branches and Savings

Is Citizens National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20954.

Why does Citizens National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens National Bank a commercial bank?


Where are Citizens National Bank locations?

See branch locations nearby.

Is Citizens National Bank open on Saturdays?

Is Citizens National Bank open on Sundays?

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Are Citizens National Bank ATMs Open 24/7?

Do Citizens National Bank ATMs accept cash deposits?

Can Citizens National Bank customers use other ATMs?

Do Citizens National Bank branches have notaries?

Will Citizens National Bank notarize my document?

What address for Citizens National Bank should I put for incoming ACH transfers?

Will the Citizens National Bank branch print checks?

Do Citizens National Bank checks expire?

Does Citizens National Bank require US citizenship to open account?

Can Citizens National Bank close my account?

Does Citizens National Bank Report to credit bureaus?

Does Citizens National Bank Use Equifax?

What is Citizens National Bank's ACH Routing Number?

What is Citizens National Bank's SWIFT code?


Does Citizens National Bank offer mortgages?

Compare mortgage rates here.

Does Citizens National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens National Bank offer personal loans?

Compare personal loan rates here.

Does Citizens National Bank offer student loans?

Will Citizens National Bank cash a check?

Will Citizens National Bank redeem a savings bond?

Does Citizens National Bank cash savings bonds?

Will Citizens National Bank cash money orders?

Can Citizens National Bank issue a money order?

Does Citizens National Bank do currency exchange?

Background on The Bank

Who owns Citizens National Bank?

How long has Citizens National Bank been around?

Can Citizens National Bank transfer to other banks?

Does Citizens National Bank have quick pay?

Does Citizens National Bank accept rolled coins?

Will Citizens National Bank accept loose change?

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